Helvetia
Helvetia is a motor third-party liability insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Helvetia coordinates and pays for roadside assistance, towing, and vehicle transport directly through its 24-hour assistance central (Asitur). Legal defence professional fees are paid directly up to the policy limit. Medical expenses in contracted centres are covered at 100%; in non-contracted centres up to 1,000 EUR per claim.
Geographic scope
Spain and European Economic Area
All coverages apply in Spain, European Economic Area, Gibraltar, Andorra, Monaco, San Marino and Vatican City. Mandatory civil liability also covers countries under the Green Card Convention.
Unique selling points
- Voluntary civil liability coverage up to 50,000,000 EUR per claim – well above the Spanish mandatory minimum – is included as a standard guarantee in the Turismo Premium tier.
- Roadside assistance operates from km 0 (home address), with 24-hour Asitur coverage valid in Spain, Europe and Mediterranean countries, including towing up to 150 km, rescue, fuel delivery and professional driver dispatch.
- Replacement Category B vehicle provided at no cost for up to 5 days when an accident immobilises the insured vehicle for more than 40 hours, extendable to theft cases.
- Driving licence suspension subsidy of up to 300 EUR/month for 6 months upon total loss of licence points, plus coverage of driving re-education course enrolment costs up to 500 EUR – a rarely included benefit among Spanish motor insurers.
- Ranked second-best car insurer in Spain by Forbes/Statista 2026, with a Premium workshop network across the entire Spanish territory for guaranteed quality repairs.
Coverage limits
Civil Liability (Bodily Injury) – Mandatory + Voluntary
Covered
Mandatory civil liability covers bodily injury and material damage caused to third parties up to the legally established limits (Real Decreto Legislativo 8/2004). Voluntary civil liability extends the limit up to 50,000,000 EUR per claim as stated in the IPID for Helvetia Turismo Premium.
Civil Liability (Property Damage) – Mandatory + Voluntary
Covered
Material damages caused to third parties by the insured vehicle arising from traffic events are covered up to the legally established limits under mandatory coverage, and up to 50,000,000 EUR per claim under voluntary coverage as per the IPID. Damages caused by towing are also covered unless the trailer requires its own policy. Excluded: damage to the insured vehicle itself, goods transported, property of the policyholder, insured, driver, owner, or their relatives up to the third degree.
Legal Defence and Claims
Covered
Covers attorney (abogado) and court representative (procurador) fees in criminal and civil proceedings arising from traffic events, both for defence and damage claims. Guaranteed capital is 1,000 EUR per claim (free choice of professional). Also includes: traffic fine management (administrative proceedings only), driving course enrolment costs up to 500 EUR upon total loss of licence points, telephone legal assistance 09:00–19:00, and 24-hour detention assistance. Legal defence fees in abroad are covered up to 1,202.02 EUR via the roadside assistance guarantee. Judicial bail bonds are advanced up to 5,000 EUR (repayable within 2 months).
Green Card (International Motor Insurance Certificate)
Covered
Mandatory civil liability coverage extends to all countries included in the Green Card Convention as required by Spanish law. The IPID explicitly states that the territorial scope of the mandatory civil liability guarantee includes all Green Card Convention countries.
Roadside Assistance (from km 0)
Covered
24-hour emergency assistance provided by Asitur (902 110 026 in Spain; +34 913 939 030 abroad). Includes: towing up to 150 km from the breakdown point; rescue from km 0; roadside technical repair (up to 1 hour, up to 60 EUR labour, parts at insured's cost); flat tyre change; fuel delivery; hotel stay if repair exceeds 2 hours (up to 60 EUR/night, 2 nights in Spain; 90 EUR/night, 3 nights abroad); transport/repatriation of insured persons and vehicle; dispatch of professional driver; spare parts dispatch; and medical/repatriation services for persons (worldwide for persons; Europe and Mediterranean for vehicles). Vehicle must weigh ≤3.5 tonnes. In Spain, vehicle guarantees apply beyond 25 km from insured's home (10 km in Balearic/Canary Islands), except towing and rescue which operate from km 0.
Driver Personal Accident Coverage
Covered
Covers the driver of the insured vehicle in the event of death or permanent sequelae resulting from a traffic accident, up to the capital stated in the Particular Conditions (12,000 EUR per the IPID for Turismo Premium). Indemnity for permanent sequelae is calculated by percentage of capital according to a defined scale (100% for total loss of limbs/sight/mental capacity; 60% for loss of one limb; 30% for partial disabilities; 10% for joint ankylosis). Healthcare expenses are covered at 100% in Helvetia-contracted centres, or up to 1,000 EUR per claim in non-contracted centres, for up to 365 days from the accident date. Excluded: drivers under 25 years old or holding a licence for less than 2 years, unless expressly declared in the Particular Conditions as an occasional driver.
Passenger Injury Claims Coverage
Not offered
The IPID for Turismo Premium lists 'Reclamación de lesiones de los ocupantes del vehículo' as a mandatory guarantee, but with coverage amount 'según condiciones contratadas' (as per contracted conditions). No fixed indemnity sum for passenger death or permanent disability is stated in the official sources; this is a damage-claim facilitation service rather than a fixed personal accident indemnity. The T&C's 'Accidentes del conductor' explicitly applies only to the driver, not passengers. Accordingly, a standalone passenger accident indemnity value cannot be confirmed.
Key conditions
territorial_scope
All coverages apply in Spain, the European Economic Area, Gibraltar, Andorra, Monaco, San Marino and Vatican City. Mandatory civil liability additionally covers all countries under the Green Card Convention. Roadside assistance for persons is valid worldwide; for vehicles and occupants, it is valid in Spain and Europe and Mediterranean-bordering countries. In Spain, vehicle assistance applies beyond 25 km from the insured's home address (10 km in the Balearic and Canary Islands), except towing and rescue which operate from km 0.
green_card_rules
The insurer issues a Green Card (International Motor Insurance Certificate) in accordance with the Green Card Convention. Mandatory civil liability coverage automatically extends to all signatory countries of the Green Card Convention. The insured must carry the Green Card document when travelling outside Spain to countries requiring it.
driver_restrictions
All regular and occasional drivers of the insured vehicle must be declared in the policy. The driver personal accident guarantee does not apply to drivers under 25 years old or with a driving licence of less than 2 years' seniority, unless expressly declared in the Particular Conditions as an occasional driver. Legal defence coverage applies only to the main driver and any authorised driver over 25 years old with more than 2 years' licence seniority. Damage caused by a driver exceeding the legal blood alcohol limit or under the influence of drugs is excluded.
claim_notification_deadline
The insured must notify Helvetia of any accident or covered event within a maximum of 7 days of becoming aware of it, unless the contract specifies a longer period. Notification can be made by telephone through the claims service centre or by completing an accident report at the branch where the policy was taken out. For roadside assistance, the insured must contact Asitur's 24-hour central immediately when the incident occurs. Reimbursement requests for roadside assistance must be submitted within 30 days of the event date.
bonus_malus_rules
The premium is calculated based on risk factors, claims history and the insured's declarations. It is reviewed at each policy renewal period and varies according to claims declared and the insured's responsibility in them, as well as actuarial studies to ensure premium adequacy. No-claims discounts of up to 60% can be obtained after 10 consecutive years without any at-fault claim.
Where to buy
Policy specifics
Mandatory Civil Liability
Mandatory third-party liability coverage for damage caused by the insured vehicle to third parties
Voluntary Civil Liability
Optional enhancement of mandatory civil liability coverage with higher limits
Legal Defense and Claims
Coverage for legal defense costs and damage claims related to motor vehicle accidents
Driver Personal Accident Coverage
Coverage for death or permanent disability of the insured driver due to traffic accidents
Vehicle Identification Required
Insurance policy must identify the specific vehicle being insured
Declaration of All Drivers
All regular and occasional drivers of the insured vehicle must be declared in the policy
Territorial Scope - Spain
Standard MTPL coverage applies in Spain, Andorra, and Gibraltar
Network Repair Restriction
Repairs must be carried out at Helvetia's network of authorized workshops
Replacement Vehicle Duration Limit
In case of accident causing repair immobilization over 40 hours, Helvetia provides rental vehicle for maximum 5 days
License Suspension Subsidy
Monthly transportation allowance when insured driver loses all driving points and license is suspended